Valleystar Credit Union

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A short history of Valleystar CU

Since its inception in 1953 the Valleystar Credit Union has been serving its members in the MARTINSVILLE, Virginia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Delbert Morgan, the Valleystar CU has grown its membership to over 29,813 with assets of more than $315,061,270. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (276) 632-1679 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MARTINSVILLE, VA.

General Information For Valleystar CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66924
Address PO BOX 2158 
State Virginia 
Zip-Code 24113
Phone Number (276) 632-1679
Fax Number (276) 632-9610
Email Address:
CEO/President Delbert Morgan
Members 29,813 
Full-Time Employees 88 
Part-Time Employees
Number of Branch Offices
Total Assets 315,061,270 

Compare Valleystar Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
American Partners CU Branch 4636 W Market St 27407 (336) 855-3553 No 25.08
Urw Community CU Goodyear Branch 1901 Goodyear Blvd 27407 (434) 793-1278 No 25.58
Danville City Employees CU Danville City Employees FCU 320 old Riverside Dr 24541 (434) 799-5027 No 26.04
Piedmont Credit Union CU Main Office 366 Piney Forest Rd 24540 (434) 797-1954 No 26.21

Valleystar Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Valleystar Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.65 2.90 3.49 2.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 103 84 70 15
Rank Among All Virginia Credit Unions 26 10 11 8 1

Valleystar Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.20 0.40 0.40 0.55 0.55
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 102 75 76 251 219
Rank Among All Virginia Credit Unions 7 10 9 45 33
Valleystar Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9004,8395,480,925
All Other Unsecured Loans/Lines of Credit 6.0004,16313,426,576
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.65089018,596,790
Used Vehicle Loans 2.9003,48436,239,330
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.4901,826100,741,570
Total Other Real Estate Loans/Lines of Credit 2.75045410,656,797
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.0004543,671,117
TOTAL LOANS & LEASES 16,110188,813,105

Valleystar Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 33030,495,874929,303,626
    b. 15 Years or less 26212,291,510623,735,740
    a. > 15 years 11924,23100
    b. 15 Years or less 131,245,81900
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1,21055,784,1361204,480,176
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1673,714,65224390,959
Closed-End Adjustable Rate 681,607,70900
Open-End Adjustable Rate 2195,334,43678220,158
Open-End Fixed Rate 0000
TOTALS 2,280111,398,36737618,130,659


Interest Only & Payment Option 1st Mortgage Loans 152,455,406774,500
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Valleystar Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes